I am seeing many posts and articles where “ financial experts” explain how they can protect your retirement capital when the inevitable downturn in asset prices happens. ( We don't call it a crash.)

So aside that the Jack Bogle (Vanguard Founder) book that I am currently reading is titled “Stay the Course,” I thought it would be a good time to share the Vanguard Index Chart.

When I discuss regular investing with clients who are accumulating assets for their retirement, I spend a fair amount of time explaining the benefits of (DCA) dollar cost-averaging. I relate this strategy to looking after your garden.

So this week, I got a sense that many clients were dealing with our new normal that has been thrust upon us.

It has been amazing how much has changed in such a short period. A health crisis that seems to provide uncertainty. Global equity markets reacting with a 20 - 30% fall in prices giving an indication that we maybe in a recession. Who knows?

We haven't heard the term "correction" in regards to financial markets in a while.

Everything seems rosy if you are earning double digit returns but we like to remind our clients what might happen and prepare them for this also.

Check out this summary of a technical correction in regards to financial assets.